RAM (CPU LOAD)

I have a Q reguarding my PC’s RAM. I currently have 64 Mb…63 Mb listed on System Performance. 700 MHz Intel Celeron. Now, I DL a program called, FreeRAM XP Pro 1.40, to speed up my memory. I am curious to know how to lower my PC’s CPU Usage level to under or about 50%. When ever I am online and I attempt to open, for example, Excel, Works, Office…etc. My PC runs out of resources immidiatly. Does Virtual Memory have anything to do with the Load Capacity? Would turning off the Virtual Memory help? I don’t even run that many Apps at one time. Basically, Systray, Explorer, and 2 Toolbars I have on IE6……What are my options?